â€¢ Two most recent years to W-2â€™s and Federal Income Tax returns
â€¢ Two most recent pay stubs
â€¢ Two most recent months of bank statements
This will all be reviewed along with your credit report to determine your qualifications. Once your Pre-Qualification request has been competed, you will know more about your purchasing options.
As one of the largest direct lenders in the country, Prospect Mortgage offers one of the largest selections of loan programs available. In addition to the standard conventional, FHA, VA, USDA, and Jumbo, we also offer a wide range on Renovation loan programs. Our Renovation programs include FHA 203K (Streamline & Consultant), HomePath Renovation, and HomeStyle Renovation. In addition, we also have an FHA 580-639 FICO program for borrower with previous credit issues.
Working with a knowledgeable and seasoned loan officer is critical in today's market. Getting Pre-Qualified is the only way for you to find out your options. To get Pre-Qualified for your purchase, you can submit your request online at http://www.rodneymason.com.
Rodney Mason, NMLS #151088
Sr Loan Officer
825 Juniper St NE, Atlanta, GA 30308
Office: (404) 591-2453
Apply Online at http://www.rodneymason.com
Licensed in Alabama & Georgia with over a decade of lending experience.
Prospect Mortgage offers a full selection of mortgage programs including:
Conventional | FHA | FHA 580-639 FICO | FHA 203K Renovation (Streamline & Consultant) | HomePathÂ® | HomePathÂ® Renovation | HomeStyleÂ® Renovation | VA | USDA | GA Dream | Jumbo Financing.
I work with many First Time Home Buyers . My goal is simple. You and I will meet and go through my " Home Buyers Guide " this guide is a road map on buying your first home. After our meeting we discuss your home criteria and needs ie, location , price range , bedrooms and bathds, basement or not, style of home, and any other specific needs you might have.
There are differenft types of down payment assistance programs available to you. we will discuss which one best fits your needs. This Pre-Work has given us the foundation to start your home search.
Let's find that perfect home for you.
Have a Wonderful Day,
Keller Williams Realty
Best of luck,
If you get a wild hair, check out Riverside, Whittier Mill Village and other neighborhoods inside the perimeter...
I worked in the Cobb County area as well as other surrounding areas, I just close on a home today my first time buyer got a $12,000 grant to be applied to her new home loan, I'm specialist in HUD and foreclosure homes, feel free to contact me for a free no obligation consultation.
I suggest you contact a lender to find out what your loan ability is and if you qualify now - you might. The issue is not that rates may increase, so much as prices - prices are already on an upward path.
Give me a shout and I will give you some pointers and lender references. If it turns out you are qualified to buy a home, I would be happy to work with you in these areas and help you understand the differences that can matter to you.
Professional Buyers Broker
New Home Construction Expert
ICC Code Certified Building Inspector
Corporate Relocations | New Construction | Luxury & Investment Properties
Make sure you choose a real estate agent who will provide top-notch service and meet your unique needs.
How long have you been in residential real estate sales? Is it your full-time job? While experience is no guarantee of skill, real estate â€” like many other professions â€” is mostly learned on the job.
What designations do you hold? Designations such as GRI and CRS â€” which require that agents take additional, specialized real estate training â€” are held by only about one-quarter of real estate practitioners.
How many homes did you and your real estate brokerage sell last year? By asking this question, youâ€™ll get a good idea of how much experience the practitioner has.
Will you represent me exclusively, or will you represent both the buyer and the seller in the transaction? While itâ€™s usually legal to represent both parties in a transaction, itâ€™s important to understand where the practitionerâ€™s obligations lie. Your realtor should explain his or her agency relationship to you and describe the rights of each party.
Can you recommend service providers who can help me obtain a mortgage, make home repairs, and help with other things I need done? Because realtors are immersed in the industry, theyâ€™re wonderful resources as you seek lenders, home improvement companies, and other home service providers. Practitioners should generally recommend more than one provider and let you know if they have any special relationship with or receive compensation from any of the providers.
What type of support and supervision does your brokerage office provide to you? Having resources such as in-house support staff, access to a real estate attorney, and assistance with technology can help an agent.
What's your business philosophy? While there's no right answer to this question, the response will help you assess whatâ€™s important to the agent and determine how closely the agentâ€™s goals and business emphasis mesh with your own.
How will you keep me informed about the progress of my transaction? How frequently? Again, this is not a question with a correct answer, but it reflects your desires. Do you prefer phone, e-mail, or a personal visit?
Could you please give me the names and phone numbers of your three most recent clients? Ask recent clients if they would work with this realtor again. Find out whether they were pleased with the communication style, follow-up, and work ethic of the real estate agent.
Fred Yancy, Broker
Let me know if I can be of assistance